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Top-notch Car Insurance and pay monthly at no extra cost.

If you have a car, finding the right insurance can be the admin equivalent of sitting in a traffic jam. So we've cleared the roads for you with a range of straightforward options. And if you're not happy for any reason up to three months later, you can cancel your policy, no questions asked, without a cancellation charge. It's that easy.

first direct Car Insurance is provided by iGO4 Partners Limited who arrange cover with the insurer, Ageas Insurance Limited.

Subject to minimum premiums and underwriters standard terms and acceptance criteria.

first direct Car Insurance is provided by iGO4 Partners Limited who arrange cover with the insurer, Ageas Insurance Limited. Unfortunately, we don't cover cars over £75,000, but if your vehicle does have a market value greater than that, we can recommend Marsh Ltd  who will be happy to help.

 

Want to talk?

New customers
0800 032 9401

Amend/Renew my policy
0845 603 7904

Open: Monday to Friday:
8.00am to 8.00pm
Saturday, 9.00am to 5.00pm
Sunday, 10.00am to 3.00pm

Make a claim
0844 800 1930

Open 24 hours a day.

 

Our cover at a glance

This table will give you a better idea of what's covered by our different policies - just choose the type of cover you want when you request a quotation. However, please make sure you read the Policy Summary and Important Notes in the left hand menu before obtaining a quote or applying. You'll find full details in our Policy Booklet .

Our downloads are in a PDF format. To read them you'll need to have Adobe Reader 4.0™ or above. It's free and you can get Adobe Reader here.


Features Types of Car Insurance cover
Standard policy Third Party, Fire and Theft Comprehensive
Fire    
Lightning    
Car taken without your consent    
Explosion    
Theft    
Attempted theft    
Storm    
Flood    
Malicious damage    
Accidental damage    
Vandalism    
Excess Refer to policy schedule Refer to policy schedule
Courtesy car    
Liability for passengers    
Emergency treatment    
Foreign travel cover    
Legal costs    
Audio equipment (fitted as standard) £Unlimited £Unlimited
Storage and delivery after repair    
Accessories (fitted to car/stored in garage)    
Windscreen cover    
Personal accident   Up to £5,000
Medical expenses   Up to £500
Injury or death (driver and partner)   Up to £5,000

 

RAC Roadside

Roadside assistance 0.25 mile or more away from Your Home address including a tow for up to 10 miles and taxi fares for up to 20 miles if Your Vehicle cannot be fixed. All for just £30 per year (paid in full with initial deposit if paying monthly).

RAC UK Breakdown

Includes assistance at the roadside or at your home, recovery for up to 8 people and your vehicle to a destination of your choice in the UK, replacement car for up to 2 days or overnight accommodation or alternative transport to enable you to complete your journey. All for just £61.50 per year (paid in full with initial deposit if paying monthly).

RAC European

All the benefits of our Breakdown cover plus:

If you Breakdown abroad, Your Vehicle will be fixed at the roadside by a contractor or recovered to a local garage for repair or, if this is not possible, overnight accommodation or an alternative form of transport will be provided. All for just £66 per year (paid in full with initial deposit if paying monthly).

Legal expenses

Covered up to £100,000 to help claim back costs you may incur that aren't covered as standard, as the result of an accident that wasn't your fault - great value at £25 per year (either paid with initial deposit or can be spread over the year).

Key Cover

Provides up to £1,500 worth of cover for lost or stolen keys. All keys on your keychain are covered and we'll even pay for replacement keys, recoding (electronic keys) and also your onward journey should you be stranded - all for just £15 per year (either paid with initial deposit or can be spread over the year).

Substitute Vehicle Cover

In the event your vehicle is written off or stolen and not found, standard courtesy car cover does not apply. In these circumstances and for just £21 per year, substitute Vehicle Cover will provide a hire car of up to 2,000cc for 21 days, to keep you on the road (either paid with initial deposit or can be spread over the year).

 

Alternative types of cover

Third Party Fire and Theft cover - Third Party, Fire and Theft (or TPFT) covers you for liability to other people and their property, as well as damage by fire and theft of the vehicle itself. If you've got no additional drivers under the age of 25, TPFT cover could be a great budget car insurance option for you.

 

Service Guarantee - no Cancellation Fee

The insurer will still make a charge for the number of days which the insurer has provided cover. A refund of premium will not be available to customers who have made a claim on the policy.

This offer is only open to new first direct Car Insurance customers who already hold a first direct 1st Account. It does not apply to first direct Car Insurance policies underwritten by Equity Red Star which are due for renewal.

first direct reserves the right to remove or vary these offers at any time without prior notice. Quotes given before such removal or variation will be honoured in accordance with their Terms.

Please ensure you read the full Terms and Conditions for the offer.

 

first direct reserves the right to remove or vary these offers at any time without prior notice. Quotes given before such removal or variation will be honoured in accordance with their Terms.

You must read the Policy Summary, Document and Important Notes links on the left hand menu before obtaining a quote.


Quote & Apply         Retrieve existing quote


Already a customer?

To find out more about making a claim, renewing or amending your existing policy, visit our existing customers page, where you'll also find essential contact details.

 

 

Important notes

This link allows you to access web pages that are managed by iGO4 Partners Limited, the Car Insurance provider for first direct.

iGO4 Partners Limited have their own cookie policy and will provide you with information on how to manage your cookie preferences with them.

Quote & Apply

 

 

 

 

Important notes

This link allows you to access web pages that are managed by iGO4 Partners Limited, the Car Insurance provider for first direct.

iGO4 Partners Limited have their own cookie policy and will provide you with information on how to manage your cookie preferences with them.

Retrieve existing quote

 

 

 

 

Important notes

This link allows you to access web pages that are managed by iGO4 Partners Limited, the Car Insurance provider for first direct.

iGO4 Partners Limited have their own cookie policy and will provide you with information on how to manage your cookie preferences with them.

Policy Summary

 

 

 

 

Important notes

This link allows you to access web pages that are managed by iGO4 Partner Limited, the Car Insurance provider for first direct.

iGO4 Partner Limited have their own cookie policy and will provide you with information on how to manage your cookie preferences with them.

Frequently Asked Questions

 

 

 

 

Important notes

This link allows you to access web pages that are managed by iGO4 Partners Limited, the Car Insurance provider for first direct.

iGO4 Partners Limited have their own cookie policy and will provide you with information on how to manage your cookie preferences with them.

Important Notes

 

 

 

 

Important notes

This link allows you to access web pages that are managed by iGO4 Partners, the Car Insurance provider for first direct.

iGO4 Partners Limited have their own cookie policy and will provide you with information on how to manage your cookie preferences with them.

Policy Document

 

 

 

 

Important notes

This link allows you to access web pages that are managed by iGO4 Partners Limited, the Car Insurance provider for first direct.

iGO4 Partners Limited have their own cookie policy and will provide you with information on how to manage your cookie preferences with them.

Car Insurance Services